HDFC Bank Life Insurance — Rejection of claim

Address:	Bellary, Karnataka, 583201
Website:	HDFC Life

Recently I have recently applied for a claim with HDFC life Insurance, for which I have taken a family life floater family with Policy no. 90078693 of HDFC Life Health Assure Plan and claim no.[protected]. Date of incident 23/09/2015, Corporate Office : Plot No. 577, Udyog Vihar, Phase-V, Gurgaon, Haryana - 122016 Phone :[protected], Fax No :[protected] E-mail : [protected]@emeditek.com. The complaint is while doing the policy the problem of health was not a noticed a severe one, the cause which the company is telling that we have not disclosed the health problem, the problem was with my Daughter who is now in 7 th semester of B.E. in BVB college, Hubli. 7 th semester was started on 01/08/2015. During last one year it seems that she had some gynae problem, which her self and the hostel doctor also didn't consider as a major problem, thinking that it was a hormonal imbalance. My daughter never was hospitalized nor was absent continuously for more than one or two days to the college. Only in her holidays in july 2015 when she went to Hyderabad, along with our relatives casually went to a near by hospital and consulted a lady doctor. Up on examination and tests it was noticed that there is a cyst on left ovary, and confirmed that the presence of cyst (by CT scan, ) is the cause of polymenorreah which was diagnosed, and the doctor advised to go for surgery. Until that time neither of we knew that problem is that and needed a surgery. Because she is in holidays after consulting another doctor at NIMS hospital at Hyderabad, went for the required surgery. There is another hint given by the doctor that if neglected the size of the cyst may increase and problem will be severe. Hence we went for surgery on 01/08/2015 at Hyderabad NIMS hospital. After that we applied for the claim as per their procedures. But for our surprise the company wrote us telling that the claim is rejected and the policy is nulled because we did not follow certain procedures . In fact that all the application was filled by the development officer. As per their instruction only we applied the claim. So injustice is done to me in service by the company. I want justice in this regards. Dr.R.Srinivasa rao, G1, ARS Enclave, Rajiv Nagar, Hospet-583201 Karnataka. [protected].